I pointed out that the spouse is not covered, so it's not limited. Let me rephrase. Neither spouse is covered under an employer-provided retirement plan but the software is subtracting for the wife's IRA contribution on the state and I don't know why. The stupid software just plugs numbers in and doesn't let you jump to where the calculation is coming from. That's not the first time I run into similar issues where I can't see where the numbers are coming. Frustrating.